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[quote="nisiprius"] And darn it all, there is no specific reason I can see for this wave of alarmism to be coming along now . This has got to be some kind of 2013 spring fashion trend. Interest flatlined back in 2009 . The "age of financial repression" has been going on for four ...

The Three Fund just makes good sense to me. What's not to like?

It's only May 14th...lotta season left.
All of my pepper plants are still inside and being pampered.
The 10 day for us looks relatively good, so I am hoping to get everything in the ground May 18- 19.

Un altro centinaio di anni, salute Mr. John C. Bogle

I started SS benefits for both of us at 62 and they cover 50%-60% of our normal living expenses, allowing a SWR of about 1.5% of our own assets. Of course, then I go and buy a new Ford C-Max which gobbled up this years SS benefits and some more so the best laid plans...... Thank you for your contri...

Have you checked the state's pension funding level?

No problems...clean and green.

Yeah, but a kajillion dollars just doesn't buy what it used to, like back in the day.

Update Jalapeno and banana pepper plants are going good, branching up and out. The coriander is coming up too. Still inside tho. Weather is iffy. This weekend looks good but 7 day outlook says we might have another wet and wild weekend May 4-5. Really don't want another 6 - 8 inches of rain like las...

I was thinking the same thing about Gerald Tsai. I did a couple of searches but could not find anything.

Call_Me_Op wrote:

peppers wrote:Buying bonds is like being married for 30+ years. It's a long term commitment.

I think I'll continue to date.

Fair enough. Good luck in your pursuits.

Buying bonds is like being married for 30+ years. It's a long term commitment.

Something to look at.

https://personal.vanguard.com/us/funds/ ... statistics

35% S & P 500
17% Small-Mid Cap
38% Total Bond
10% GNMA

There were a few half points.

http://www.newyorkfed.org/markets/stati ... drate.html

Quite the bond buzz on the forum lately. "Forecasts may tell you a great deal about the forecaster; they tell you nothing about the future." Warren Buffett 1980 Annual Report

Cue Taylor's line "...when expert's disagree, it probably doesn't matter much..."

No. I am still contributing to the stock and bond funds per the plan. The last sale of any funds was 2000-2001. Those pesky college tuition bills for the kids.

Brian

So, S&P 500 in taxable, 401k holds FI and (assumption here) small in Roth? Sounds reasonable.

Amen brother.

We are 61 and 59, looking to retire in 1-2 years. We have an S&P 500, Extended Market, Total Bond and GNMA. Yeah, I know but I have a soft spot for things name Ginnie.

The seeds that I am using are from smaller peppers that were harvested late in the fall before the first frost. I let them dry out over the winter, and in the spring I just split open the peppers to see what I've got. Nothing really scientific going on here. I had a bag of topsoil that was left over...

peppers wrote:Started a small hydroponic garden two weeks ago and the chives are sprouting up nicely. Will start the pepper seeds in the house this weekend. We still have snow on the ground. But, it will happen.

The pepper seeds sprouted this weekend, hot banana and jalapenos.

Back in the day, we had a MMF with IDS. IIRC the rate changed every seven days and at one point approached 20%. I remember Johnny Carson (Who?) cracking jokes that the banks were putting the loan sharks out of business.

Or, 1854.20

I like No. 17, more time with the grandchildren, gardening and fishing.

I'm a glutton for punishment and thrive on rejection. Any mid life crisis would be therapeutic.

Yes, when all else fails, eat the young.

Digging out the 401k papers, let see...started 1979...after tax...then in 1986 the tax laws changed and you had the option of before or after tax contributions. Throw in Ma's divesture in 1983 and the subsequent family reunions and in my case it is quite the ensemble.

So why do after-tax contributions to a 401k exist at all if not for this rollover purpose? If not doing this, wouldn't it be preferable to just invest that money in a taxable account? If you are not doing after-tax 401k --->Roth IRA , then yes, it would be preferable to just invest the money in tax...

I run it through TT and then go see my CPA. We do a little Q & A, catch up on current events, and have a couple of cups of coffee. It's all free because we are family.

Started a small hydroponic garden two weeks ago and the chives are sprouting up nicely. Will start the pepper seeds in the house this weekend. We still have snow on the ground. But, it will happen.

livesoft wrote:Alrighty, who has chosen a Number with a plan for a contingency of Gray Divorce?

It's cheaper to keep her. Otherwise you are splitting comma's.

Welcome to the forum. It is not unusual for a company to have a "vesting schedule" in the 401k plan. The 401k plan where I am employed requires 3 years of service before any company match and earnings on that match are vested into the account. Your contributions and earnings on those contr...

I have no set number. I was going to retire the end of this year, with pension and social security and a good-size stash of cash, but the economy (and a child who is lolly gagging through college) changed my plans. Now the strategy is to work an extra three years, then inform the kid the joyride is...

^Ah yes...the classic Stained Coffee Napkin Portfolio.

Here's a link from Department of Labor's website for more information about investing for retirement.

http://www.dol.gov/ebsa/investing.html

Looking at my plan's SPD, Company Match will vest after three years of service. If you become disabled while an Eligible Employee, your Company Match will vest immediately. If you are age 65, your Company match will vest immediately. Upon your Termination of Employment on or after the date you are r...

What about a vesting Schedule? My plan requires an individual to be with the company three years before the company match is vested.

Here is a breakdown from my company's annual report 12/31/2011 Domestic Equity.......24% International...........15% Fixed Income..........34% Real Assets.............11% Private Equity..........13% Other....................3% Alternate investments may also include real estate, natural resources, me...

No credit cards. Bank Visa linked to small account.

I am very satisfied with having my vehicles serviced at the dealership. My son works there.

For some clarity, from the SPD Summary Plan Description

Type of Fund: Stable Value

Name: XXXXcorp Interest Income Fund

Characteristics: A capital preservation and income fund that invests in a diversified portfolio of stable value and fixed income securities.


Note: XXXXcorp refers to employer

I believe LadyGeek and Nisiprius nailed it.

P.S. I love my grandchildren too, and take my coffee black and nothing else. Simplicity.

Here are two positions held in the stable value fund in my 401k:

Bank Of America Nt & Sa
#99086 6.790% 05/19/2027
Dd 06/01/99

State Street B&T 61c
#99039 5.570% 12/31/2049
Dd 07/20/99

They are roughly 53.75% of the stable value portfolio

Stock

20-20-20
07-08-09
05-06-05

Bond

00-91-09
00-00-00

Over at globalmegacorp As of 01/31/2013

10yr 3.77

5yr 3.27

3yr 2.90

1yr 2.70

Here's what Mr. Joe Davis of Vanguard thinks.

https://institutional.vanguard.com/VGAp ... utionREITS

Well said YDNAL. So if I make $10,000 while expenses are $7,000, and I save $3,000 while having fun along the way, then I am a boglehead? Some Bogleheads may sugguest to you, Metz, to spend $5,000. This is a special breed of posters (at least the way they post), IMO. :D Cut the expenses, save much ...

In my 401k:


.......................ER...............Turnover

Large Cap Blend .17 ..............7.6%

Mid-Small Blend .18 ..............7.9%

Not great but not terrible.