Bogleheads.org

I have experience with vinegar. It works. The organic gardeners that I use to follow recommended 10%. For some soil types, they also say it is good for the soil. If you are interested in this approach, I would find a local organic gardening store and speak with them. They should no what is proper fo...

My oldest of three is 9 years from college. My plan is to fund state schools. Current price for the local state school is $12k/yr ($12k * 3 * 4 = $144k). I have saved about 2/3 in 529's and Coverdells. I am not contributing any new money. I am trying to save enough for retirement before my first chi...

#1 seems like a good reason to just LS
#2 and #3 seem like market timing that may or my not pay off. In that case, there is no telling if DCA or LS would be better.

If you are only talking about 4.5% of your portfolio, I don't think it will matter much what you do.

I think it depends on why you are changing your AA.

1. AA is much too aggressive, then LS.
2. Want to change AA due to glide slope, then DCA.

Maybe there are some other scenarios.

I would take the $500/mo and put it into your IRA. This will max it out sooner, but it will also give you more time to figure out what else you want to do with your money.

Take it from us: it's extremely simple. An average middle school student could figure it out and be done in 10 minutes. Oh yeah... prove it! :) I am serious. If I have this hesitation, I am sure many others have it as well. This is where the wiki is very useful. It is full of answers, but not this ...

When selling options or rsu's, I never worry about taxes. There is no way to avoid the normal income taxes on RSU's unless you refuse the grant, which would normally be foolish. I always sell all vested rsu's immediately. This results in ~$0 cap gains. Everything is normal income. For NQ options, I ...

You are missing the fact that not all funds have the same risk level. Higher risks demand a higher expected return. Do the two funds in your chart of the same risk levels? Also, different parts of the market will perform differently over time ranges. Are you comparing apples to apples or are you com...

AA is about managing your risk. You still need to manage your risk in retirement, so you still need an AA target and you need to maintain it.

I would probably go 50% TSM and 50% TISM and let it go.

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I think I always consider the cost.

If I could ignore the cost, all I would eat would be expensive cheeses, smoked salmon, and beef tenderloin.

Instead of buying the cheeses, I just sample the cheeses at the cheese bar in the local grocery store. $25/lb is too much for me.

My 401k has CIT's. They show up as "other" in Vanguard.

Are you sure you have mutual funds? Does everything have a ticker that you could look up in M*?

$3.4 million is probably much more than most will have, let alone in a tax sheltered account. It is close to what I want to have when I retire, but half of my money will be in a taxable account.

Some say that expense ratio doesn't matter much once it's below a certain level. Let's say you have $1,000,000 @ 0.25% ER vs 0.10% ER. That's $1500 a year extra by having the lower ER. It will have little impact on when one retires, but $1500/yr is significant to me. It is not picking up pennies. It...

I just opened a Vanguard account for a SEP-IRA. What are your thoughts on dollar cost averaging and what are some good funds I should pick? Does anyone have advice on this? I have about 20k liquid that I'm able to contribute. Should I consider dollar cost averaging investing when purchasing for thi...

If you destroy the morale of your team, how long could you sustain 90%?

Have you looked at the wiki?

I'm guessing that the IPS is also valuable in trying to prevent behavioral errors when things go wrong, like a large market drop. If you are not prone to behavioral errors and you have a clear vision that you can stay the course with, then a written IPS is probably not necessary. I do not have a wri...

I see Bodie's argument was mentioned (that higher option prices with longer time horizons proves that risk increases with time). So I am reposting a post of mine from years ago, maybe someone can answer my question. IIRC, Bodie concluded that the cost of insuring against earning less than the risk-...

My holdings at Vanguard are 0.11%. Half my portfolio is in CIT's in work related accounts which average around 0.05%.

So roughly, my average is 0.08%.

Sounds like non-sense to me. They seem to be using a very loose definition of asset class. Have they outperformed Vanguard TR funds on a risk adjusted basis after consideration of taxes and expenses? Obviously, they are trying to get people to invest with them. I firmly believe that over the long ha...

khalestorm, one's necessary savings rate is a factor of many things (how much you want to have in retirement, when you want to retire, your AA, ...). In general, if you are 30 years old saving 20% of your income, you are on the right track. 25% or higher would be great. Getting money in sooner gives...

This wiki page may help:
http://www.bogleheads.org/wiki/Approxim ... ock_Market

Not exactly the same, but I am choosing not to up size so that I can retire earlier. I live in the same house as when I was single. I now live in a house of 5. I figure if I up sized it would add 3-5 years of working. The mental barrier for down sizing is probably larger than for up sizing, so I gue...

I don't have an answer for your poll because I don't know. I suspect there will be a discussion on what is risk. Just because a person says he has a long time horizon so he will go all in on equities does not necessarily mean that he believes equity risk diminishes with time. If one has a long time ...

For beds, put down a thick layer of mulch. To kill anything growing, spray it with 10% vinegar. The vinegar is acidic, so in some place this will actually benefit the soil. Find an organic garden center in your area and talk to the people who work there. They should know what works best for your area.

I'm here day after day because I enjoy the community. I also want to see if there are any new nuggets I can pick up. Also, this is a forum to disseminate new information.

Did it show you a percent of the likelihood of success? If so, what are the two numbers? I would assume the two numbers are within the error of the calculations. Don't look at the subjective words they put on the likelihood of success. Be aware that statistical analysis is a funny thing to look at i...

One risk is having to qualify for two mortgages. For example, when I relocated for work I was younger and dumber. I had just bought a house using a mortgage. When I was on the house hunting trip, I found a house I wanted to buy. As I was driving to the lender to see about financing the new house, I ...

8 = 3 (401k@Fidelity) + 1 (HSA@Fidelity) + 4 (Taxable,Roth@Vanguard)

I forgot I have 1 more in 529's for a total of 9.

If you get a state tax write off for the 529, you can way that savings against the cost of selling from your taxable account.

No problems here. Try clearing out your cookies and restarting everything.

Going from individual stocks to an index fund reduces your risk. You do not need to DCA the move. If you sit on cash for a while you go from really high risk to very low risk to high risk. You end point is high risk. Just go there and spend your time enjoying life.

Welcome to the forum.

Are you buying mutual funds or ETF's? You can buy partial shares of mutual funds. Having leftover money is just part of buying ETF's.

The left over money is probably not too much, so don't sweat it.

You can always move your money to another HSA provider that has better options. Look at the wiki for a list of other HSA providers.

As you add money to the Roth, you will have to adjust your 401k accordingly. This is one of the reasons I would just rebalance manually. I don't know how to use the auto-rebalance feature to handle this.

Personally, I would not use the auto-rebalance. You only need to rebalance once a year or so. If your 401k has a decent website, you should be able to rebalance in less than 5 minutes.

Is the 401k the only funds you have in your portfolio?

Retiredjg gave you good advice. You should consider what she says. If you do decide to role your own, which there is nothing wrong with doing that, make sure you use the non-tips bond fund US Bond Index. I would say once your 401k is $50-100k or greater, then consider using the individual funds. Unt...

Whenever a person saves a lot, you will be living pay check to pay check to some degree because the extra money is going to savings. The key is to find the right balance between saving for the future and enjoying life today. That is a spot you have to find. You are saving about 1/3 of your income. I...

OP, I consider my portfolio large enough that I do not keep an emergency fund. You may want to consider if your portfolio is large enough to scale back on the E-fund. Remember, your taxable investment account can serve as an E-fund. If you have a Roth, it can be used in emergencies. And, as mentione...

There is also https://www.catalogchoice.org/

I think you have more earmarked for emergencies than most. I am assuming your emergency fund is in something with close to 0% return. How large is your portfolio not including your emergency fund? Is there are reason to believe you and your spouse would lose your jobs at the same time and not get a ...

I don't want to know this 'stuff" so I can micro manage. I want to know it so I just understand what something is when I see it. And maybe there isn't an easy way and I just need to look it up as I come upon it. It is good to be conversant in the terminology of investing, but the terms you lis...

I would do the 15 year for the lower interest rate. It sounds like your cash flow is in good shape. Just make sure you don't go crazy buying stuff when you get your house. If this is your first house, it is easy to spend a lot of money that you were not expecting to spend.

It's a little confusing. Do you think they are including SS in the $20K?

Microsoft excel Or LibreOffice Calc if you don't want to buy Excel. Or google drive spreadsheet, if you don't want to download anything or worry about back-ups and want to have access from any computer. A spreadsheet of any kind is easy. I have a row for each type of expense, a column for each mont...

ieee488 wrote:There is a self-addressed envelope for me to mail this letter back.

American Express
c/o New Accounts Department
PO Box 31525
Salt Lake City UT 84131-9900

Call American Express. Make sure you are using the real number for Amex, and not some number from the letter you received.

MrMiyagi wrote:

M-I-T-M wrote:Yah, make sure you post mark it.

Uh won't the post office mark it automatically once I drop it off?

If they don't make a mistake, which would then become your mistake.

Rupert wrote:Update: Just got my first furlough paycheck. mhc got it right: it was a 9.2% reduction in gross pay.

Thank you for the update. I hope you are enjoying your one day off per pay period.

When I see monte carlo plots for what will happen, the majority of the results trend up over time. I think most people who want a very high success probability will see their portfolios continue to grow assuming they keep a fair amount of stocks.