Bogleheads.org

. Hi all! I can only assume that a forum such as this has more than its fair share of Certified Financial Planners roaming around. So... I just started taking CFP classes this fall. I really enjoy the subject matter but I have one dilemma: I don't currently work in the financial services industry an...

Hi all! I can only assume that a forum such as this has more than its fair share of Certified Financial Planners roaming around. So... I just started taking CFP classes this fall. I really enjoy the subject matter but I have one dilemma: I don't currently work in the financial services industry and...

Hi all! I can only assume that a forum such as this has more than its fair share of Certified Financial Planners roaming around. So... I just started taking CFP classes this fall. I really enjoy the subject matter but I have one dilemma: I don't currently work in the financial services industry and ...

Running some numbers:

$675/month @ 6.5% ROI (this number can be debated) will be equivalent to a present value of $135K in 11.3 years (136 monthly payments). Of course, there are other important factors that have already been presented. But it may be helpful to start with the raw numbers.

I live in Austin, TX and I'm struggling with the same decision. I lean towards buying as hedge against inflation. The austin area rental market is nearly full (~98% occupancy rate) which will most likely mean landlords will be raising the rent in the coming years.

I live in Austin, TX and $100K is most likely the low end of the housing market here. There is an outside chance that I could get a home for 50% off through a HUD program called "Good Neighbor Next Door". Unfortunately, there are very few homes that qualify for this program (only 7 listing...

If I lose my job prior to putting in 23 years of service (age 53 for me), then I have basically 2 options: 1) cash out all money that I contributed (8% of my gross pay) but I would NOT receive any money that my employer contributed (14% of my gross pay). Obviously a terrible option. 2) at age 65 I w...

Thank you for the replies. Here's the rest of the info, sorry I didn't include it initially. Car loan at 4.75%. Student loan at 2.5%. I have $2000 in my emergency fund (still working to increase it). I don't currently have anything saved towards a downpayment but in 6-12 months I could reasonably ex...

'Tis better to know what you don't know, in my opinion. In my profession (paramedic), it's vitally important that I know what I don't know. Frequently patients ask if this or that is potentially harmful, fatal, dangerous, etc, and many times I'm left saying, "I'm not 100% sure but I can take yo...

Hi all, My short bio: 34 years old, single, no dependents (well, two cats). Gross income ~ 75K (though this is variable due to how much overtime is available). I'm a gov't employee with a pension on which I'll be able to draw in 19 years (age 53). I'll receive 70% of my salary at that point. I'm als...