Bogleheads.org

I appreciate your position, I was there a couple years ago. I was a well compensated pharma/biotech executive at 48 that toughed it out enough to reach my number but getting there was impacting my health and my family life even more so. I was on the road, often living away from family Mon-Fri and se...

where's the projections of Danish tulips? I hear they may be big again

yes..congrats and enjoy!

Also, I've never seen this sort of analysis, but it must exist. We talk about various sorts of risk when planning investments and retirements, like inflation risk, etc. What about "death risk"? "Disability risk"? (These being the risk of dying before you get to enjoy the retirem...

I use Dropbox for important files. I use Carbonite as an automatic and daily backup of my entire computer. Most receipts from vendors, CC, Vanguard, banks are keep on their site in pdf (paperless) form. My taxes are hard copied and on DVD from my CPA. That covers 100% of my electronic files and 90% ...

+1! - Well said and I agree with it 100% I have been reading different blogs and forums about personal finance. It is my hobby and I do learn new things and I see others perspective on personal finance. Some of the sites/forums advocate for stash as much cash as you can, live very frugal to a point...

at 25X income needs, you certainly are within range but for someone a tad older than you (e.g., 30 yrs expected retirement). More is better but it's possible. You have the mortgage paid and 529's well sourced. Do you have pensions to draw on and what are your expected SS benefits? Factor that in the...

as a starting place, I like the equation Rick Ferri' uses. I would adjust up the capital needs in your case given the especially lengthy, potential retirement.

Annual Income needs - Annual SS benefits - Annual pension X 25.

it's different from your overall allocation but really it may not be. The thinking that got you to a retirement ISP and the current state of that retirement funds is relevant to decisions re: 529 (e.g., pay yourself and your retirement first). You can forecast expected return and monthly contributio...

Random Musings wrote:Maybe DFA just got a case of the Vapors.

They're turning Japanese
I think they're turning Japanese
I really think so

RM

lol, I got it...wondering the breakdown of BH's that got it...

You can go with 3 fund simplicity or slice and dice (both camps are on this forum) either to increase diversification or to capture other risk premia. More expected return, is only expected and may not show up in your time frame and there is no free lunch re: risk/return. I am a slice and dicer and ...

1) first, apples vs oranges , different asset classes, different benchmark indexes and different risk premia... nice comparison w that shell game, NOT. 2) even if he showed you a lg cap blend that beats SP500 ... past performance does predict future, ask him if he sees the future! If he does, ask hi...

have not been near 100% equity since the tech (and my personal) meltdown... live and learn...60/40 is my mix now

currently work and previously lived in Cambridge.. agree w other suggestions... visit Cambridge from Harvard to Kendall all on the redline T stops. Walk to East Cambridge (20 min casual walk from, Kendall stop) to visit Museum of Science and from there catch a Charles river and land tour on the famo...

Thanks for sharing. I can really identify. Growing up low-middle working class in a city then poor when my Dad abandoned the family at a young age. Support and love of family can carry you through a lot and they leave indelible marks on us as adults and parents. Like the writer, I too was "save...

I don't pay attention to market dynamics for timing of my investments.

0.13% includes a healthy dose of SV/MV tilt and a few actively managed bond funds..

just good ol weed n feed, e.g., Scott's, during early spring....

bought Apple at $330 and sold at $530 after the first early decline in 2012.

AmEx Blue Preferred trumps all @ 6% back for groceries, even after the 75$ yearly fee. I'm single.. did the math.. and I don't spend enough for it to be worth it unfortunately. Remember, you can also buy gift cards from other vendors at grocery stores and that's 6% back off the top, including credi...

I adjusted only because my ISP called for greater % and longer duration for corporates vs a standard TBM + Intermed TIPS mix. I simply took my longs and trading them for shorts corps. If I had TBM/TIP only, I'd would have left it alone.

I've had better luck after switching to Chrome as my main browser.

It would be a "new normal" for him to focus on running his company for shareholders and stop playing professor in the media. Chief Investment Officers (CIOs) are supposed to be visible. One of their main jobs is to be in the media and speak at events to deliver their firm's message to cli...

It would be a "new normal" for him to focus on running his company for shareholders and stop playing professor in the media.

past association should not imply causality nor future benefits.... garbage studies...

I think age matters, at least to me.. hitting my number at 48 yrs and not working at all again seemed too much of a cliff especially since I still enjoy some of it. I'm taking more of a glide path approach probably until age 58. I have and needed a more balanced and diverse life, no longer shackled ...

I drop collision at a value that I'm comfortable absorbing... usually $10k and less. The constant in my insurance philosophy re risk is liability protection and that's reflected in my car policies and having a separate umbrella policy.

My plan calls to tilt to 15% of equity. I use VNQ as I believe REITs is a different asset class and I seek further diversification beyond market weighting. I don't add REIT because of recency effect of it performing well as an asset class the last 10 years. The correlation coefficient for VNQ vs SP5...

Metals, sector funds are not favored around here. Not too many gold bugs either. To answer you question, I use stocks/equities and TIPs on the fixed income side to hedge against inflation.

We have fallen in love with Adventures by Disney We did their Italy trip last year and China this year. Both trips were among the most memory creating family experiences we've shared. +1, me too, I've been a Disney Vacation Club owner for more than 10 yrs but it was the first time I did Adventure b...

Starting w good majors.. anything STEM... (science, tech, engineering, math) and business (especially finance). Combine that w equal parts intelligence, luck, passion/hard work. I'd also throw in willingness to take on more risk than your average, decently compensated peer......risk and expected (no...

16 yrs old - 25% Equity (Total Market/Total Intnl))/75% Fixed income (Total Bond/Stable Value)
11 yrs old - 50% Equity (Total Market/Total Intnl)/50% Fixed income (Total bond/TIPS)

if you answered you were an aggressive investor with low cash flow needs and a good base, they gave you an aggressive AA. i understand not a Bogle-esque age in bonds thing but if you looks on VG site for agressive, moderate, conservative profiles irrespective of age, 80-20 is under aggressive. It a ...

in my industry, there always were parallel (HR defined) bench science vs management tracks that people would cross during there career, usually only one time. If you are referring to one track where people would go back a grade, not in my line of work and if they tried it would be viewed negatively ...

This thread is getting somewhat Tiring and Overdone. It could well be time to put it to rest... +1. I really enjoy both BHF and MMM. This thread is over the top. I find it incredibly ironic that we nit pick the authenticity of MMM's lifestyle, nitpick the transparencies in deciding if he's worthy w...

For us, the Preferred Card makes up for the annual fee many, many times over. In fact, I am nervously awaiting the day when Amex decides that this card is too generous. +1, I've paid $75 and so far have $890 in cash back in 2012-2013. It was even better before they capped 6% groceries at $6k spendi...

we are from CT and last year (July) was one of our favorites family trip w kids - Yellowstone, Wyoming trip..... kids- 10 and 15 yrs old Jackson Hole -city excursions, Snake River rafting, ski lifts to amazing views Grand Tetons - nuff said Yellowstone -stay in park at lodge, crazy natural sites I n...

There is no reason for a 30 year old to retire. A few of the reasons I'm leaving the corporate world in my early 30s: Spend time with my child, travel, read, write, learn a foreign language, get in shape (gained 25 pounds working the past 4 years), maybe finally push hard enough to become ranked as...

Cheapest option for a family of 3 making even $35,000 w ACA will not be $15k with the subsidies. ACA is subsidized up to $94k, 400% of poverty level for family of 4. I did a check on the calculator and his monthly subsidized silver plan will be no more than $200/month if he claims salary of even $35...

I am looking into forming an LLC and read that I need a registered agent. I was just going to get a UPS box, but I don't have anyone that I could use in my state for the registered agent service. I prefer to not use my personal address and info as it's a matter of public record. I was going to go w...

Does that rule of thumb account for taxes? Say your expenses are 100k a year. Does that mean you need 2.5 mil in a taxable account and more if in IRAs? Is this for a 30 year retirement assuming 4% withdrawal every year? I take the Rick Ferri approach, it means you need (total expenses minus social ...

Boglenaut wrote:Marrying a frugal woman.

Best move, financial and otherwise.

+1, but mine was all out synergy...

marry a frugal woman and also one that makes a lot of money

He was an engineer...he no longer does that, has abandoned a definable career path, and is not slave to working 40 hr week to a corporate master... that's his definition of retired. I agree for many or most people, retired means not working at all. That is the rub. People that spend any time at MMM ...

I trust that my daily benefits outweigh the risk of essentially a black swan..others disagree, that's fine

I lost out on a great house b/c I added contingencies. Don't add them. If a situation arises, deal with it as it happens. Almost everyone is in on the deal to make money, so they will cater to you in order to earn their slice of the pie... +1, the normal contingency is inspection in which case if t...

I found that using Mint.com and its remote apps allowed my wife and I to track and understand our spending habits in instant/real time and over weekly and monthly intervals. We agreed on budget by line item for 90-95% of our spending and tracked how we did. Having accurate, readily accessible, and t...

nothing wrong w Fido but it's most likely a sales stunt to consolidate non-401k money w them. They called me nonstop for a similar offer when I had their 401k services. I'd bring your son along.

The approach that has worked for me w DirectTV is to call to eliminate a package or service when the sign-up/switch promotions ended. I've done this a couple times and received extended credits for 3-6 months.

I'd try to get her to see a mental health practitioner first. Sounds like something beyond a marital problem.... skipping out on sleep and everything else for erotica is not normal, particularly for a smart med student. Lawyers are not a first line choice IMO.

1) maximal tax advantages at state level may be compromised 2) can more easily get to the gift limit thresholds w 1 name but funding for 2 3)distributions, not sure how that happens when you want to distribute for 2 (ie., w 2 or more yrs overlap in college) but expensing for 1 beneficiary...if kids ...