Bogleheads.org

http://thefinancebuff.com/case-against-roth-401k.html
talks about 401K but the same argument applicable to IRA.

I put money into traditional 401K (bird in hand) and backdoor non-deductible IRA into Roth.

This topic is raised and impact quantified in Jim Otar's book Unveiling Retirement Myth in the chapter called Time Value of Fluctuations . It explains the topic quite well and quantifies it as well for both distribution AND accumulation portfolios. Here is pdf on the web which appears to be old vers...

Decent solitaire 1ct ring set in platinum, just under $5K
Bought over internet, the same ring in store would cost 1.5-2x as much (diamond quality was the very top grade major departments stores would carry)

Hm, Dominicks (aka Safeway) pharmacies have stamp card program that does not have any strings whatsoever attached. Simply carry a papercard they give you, you get it stamped once for every prescription filled, and once you have all 10 stamps, they exchange it for Dominicks $10 gift card. No agreemen...

I am afraid 25x of expenses saved is just not enough to retire at 45. 4% rule works for more common 30yo retirement horizon that normally corresponds to retirement at 65. For 50 years horizon you are looking at <3% safer withdrawal rate, and, hence, more like 35x of expenses saved. Just FYI, perpetu...

An additional comment on a case where Excel XIRR() gives the wrong answer. http://westclintech.com/Blog/tabid/132/EntryId/35/More-problems-with-the-XIRR-function-in-EXCEL.aspx Wow, I re-checked their test case in my MS Office 2010, and XIRR indeed errors there as well. Now, that's a blow. I am rely...

Re: " Is $10 saving per collapsed funds worth it "? I decided it was not worth it saving $10 per year in Bright Start, so I opened 2 separate accounts, one per each of my 2 kids. State tax deduction limit is still $20K regardless of number of accounts, and if funded to the limit, results i...

Overreacting. Their pulls will not alter your credit score being so called soft pulls. And if so, do you care if they check you once or once every month.

Bought my blinds at HomeDepot. Got wide vertical style. They custom cut it for your window/balcony door size right there in the store, and installation is easy. They served me well for nearly 10 years now.

If reliability is very high priority, I suggest you limit yourself to Toyota, Honda (if want inexpensive car) or Lexus, Acura (if want near-luxury car). These cars are very reliable. I approach my cars from the same perspective, so never purchased any car outside of this set. And never, not once, ha...

Interesting article comparing returns of these two asset classes:
http://www.fa-mag.com/news/housing-vs-- ... html?print

What about renting out I wonder, this article compares buy and hold approaches only...

I would not pre-pay for longer than a year. Even if gym chain stays afloat, the particular club that is close to you can be shut down leaving you with nearly worthless membership.

Wow, where can you get platinum band for $300 nowadays? I got mine over 6 years ago (4.5 mm, 950) for nearly $600 and it was considered to be exceptional deal that I only got thanks to some size-related pricing anomalies on the jeweler's site I purchased from, even after another $50 spent to resize...

Wow, where can you get platinum band for $300 nowadays? I got mine over 6 years ago (4.5 mm, 950) for nearly $600 and it was considered to be exceptional deal that I only got thanks to some size-related pricing anomalies on the jeweler's site I purchased from, even after another $50 spent to resize ...

For me the more complicated return is an opportunity to save more money by preparing it myself :) That said, you certainly have complicated return IMO. I would probably take it on personally but it would take days to finish (the first time only, see below). My own return is about 2/3 as complicated ...

Have pullout faucet with shower/stream switch on the head which has been working just fine for the past 9+ years (and I got one of the cheaper models too). Very convenient for filling pots etc standing next to the sync and for washing the sink itself. The only drawback, cannot mount water filter to ...

hsv_climber wrote: Also, it is impossible to haggle with Amazon on post-transaction price (except TV). Not a single success story on the Internet past 2008.

Not true:
viewtopic.php?f=11&t=112753&newpost=1639993

URL of Easy Allocator is now http://easyallocator.org (and has been for a few last years).
It is still free and maintained (thank Yobria for that!).

Once again continuing the list: I have been considering recently how slowly but inevitably my previously unyielding frugality is giving way to being relatively comfortable with spending increasingly large amounts of money on non-essential things and experiences. How I now tend to compare price of va...

Spending and saving have much to do with the mental anchoring. When you avoid certain types of expenses or use lower-cost products and services, these prices (including $0) are the anchors for what is normal for you. When you are faced with new or higher expenses than your current anchors you tend ...

Sure. I married non-Boglehead for example.
But she was frugal nonetheless.
I do all the Bogleheadish investment management in our family

Bogleheadism can be learned and even intuited but frugality is a basic character trait, so it is much more important to look for one that has it.

czeckers wrote:Out of curiosity, has anyone finished updating Simba's spreadsheet?

-K

Yes, see my post in Simba's thread.

If someone offers 0% financing then you can get a better deal if they do not finance the care. Just haggle a bit over the price and you will see that they will have a better rate where they do not finance. This is not true. I've had to buy two cars in the last year and after doing research and talk...

"and once per year when you redeem $100 in cash back you'll get back $125"

I'd just say Thank You.
Or closed the card if I really did not want it, but it is pretty good card indeed.

Note that if you K-1s are for REITs held in IRA accounts (as it should be), you can simply ignore them unless amounts they bring in are very high. I used to get them for commodity funds when I held them in IRA, and that's exactly what I did. I think I vaguely recall that per my research there was so...

My guess that you will not be able to move your premiums into pre-tax dollars category. These can only be taken out of personal earned income by payroll, not household income. No pay through payroll = no pre-tax deduction. Family leave medical premiums are not really different from COBRA premiums in...

http://www.flexibleretirementplanner.co ... onTool.xls
works with Quicken (or any other program, or even your own list of assets) to define your own asset categorization; it contains rebalancing engine you are looking for.

I had estimate of over $1,100 for 90K service (that includes timing-belt replacement) for my ES-300 from Firestone. That did not seem bad in comparison with $1,500 dealer's fee. But I went ahead and go more quotes from local small shops, and found small shop with excellent yelp reviews in a less-wel...

Myself. Fresh out of college right before 2000, working my first job and investing all my money exclusively into Janus Technology fund, I lost quite a bit (by my "then" standards) in the crash and started looking for better way to invest around 2004. After "disorganized" indexing...

viewtopic.php?t=59918&mrr=1283968303

34% of gross, 45% of net income

http://www.obliviousinvestor.com/short- ... tips-fund/

I double-checked and the link works. Once Google Drive page with images of tabs of spreadsheet loads, you have to go to File menu and click on Download to get the entire spreasheet in .xls format which you can open locally on your PC if you have MS Excel installed. If there is popup saying Google Er...

Thanks gbronc, missed these references (and some other things on the same tab--did not pay much attention the tab since I don't look at lazy portfolios myself). This has been fixed in Backtest-Portfolio-returns-rev12c.xls [Edit:] This spreadsheet does not work properly in Google Spreadsheets, I use ...

linuxuser wrote:How does it work????

I read their explanation, but I still don't get it.

http://www.chilipepperapp.com/Howit.htm

I figured Simba may not be getting to it any time soon this year. So I went ahead and fixed formulas, rolling returns, headings, etc completing mtbomb's 2012 update, relying on the 2012 data he entered. I also looked into errors reported in this thread since 2011a update was released and fixed those...

I get 1x of salary, my wife gets 2x from her employer. Free. Or, to be precise, employer pays for it, part of compensation package. Most large companies offer it.

Either employer gives option of purchasing more insurance (up to 5x) through paycheck deductions btw.

Unless you plan to cross the desert undetected, you need one.
Btw, if you planningthe desert route, your chances are pretty good as border patrol concentrates on the opposite direction of travel. Getting back is going to be the problem though...

I think this short article does very good job answering the OPs question:
http://www.fa-mag.com/news/skin-in-the- ... html?print

... --- Serbeer - I can perhaps shed some light on the 16% limits presented. The 50% growth line occurs when growth is maintained at the mean value with a 50% likelihood that growth could be higher than the line and, conversely, a 50% likelihood that it is less. The 16% lines are actually the +/- 1...

Robert, thank you very much for this very interesting summary of your personal performance over the past 10 years. I also happened to have 75/25 portfolio that I also started nearly 10 years ago (2003) except that I only got my spreadsheets in sufficient order to track XIRR-based ROR by 2009--mostly...

Thank you mtbomb.
Looks like Rolling returns on both Returns_72_11 and Returns_85_11 tabs are not extended properly for 2012?

Please notice that you will need Durable Power of Attorney. Regular POA is only valid while the person has mental capacity to make legal decisions himself. Thus, it will not be very useful in your situation. My parents put together DPOA (using Willmaker Plus) when my grandma started to have similar ...

Simba,
I realize that you rarely seen on the forum lately, but please consider updating the spreasheet with 2012 results and CPI data.

This is one of the more valuable tools of this forum!

Thank you!

I successfully used LATICRETE's "Hydro Ban" (which is similar to Redguard) in my shower remodeling done ~3 years ago. Worked (and works) very well. That was remodeling forced by original imporper installation of rubber membrane (about 9 years ago) that started leaking. So I was forced to r...

Thank you LadyGeek. I adopted the latest revision for my spreasheets. You may consider making two more revisions: 1) Adding step-by-step error checking to Bottom-Up tab as well 2) The erorr-checking formula =IF(ROUND(SUM(I2:I41),3)<>1100%,"Problem!","") is not the best one. If on...

The point is visualization of percent of a percent of a percent type of hierarchy. Eg, my spreadsheet calculates allocation based on most granular level and I can feed it into copy of reverse tab of this spreasheet to see what total stock/bonds or US/International stocks/REIT/Bonds it results in in ...

Looks great now, thank you. For my own spreadsheet, I'll have to add Mid Caps as well, since I keep track of it as separate class (while I am aware of most people on this board preference for mixing up Large and Small to get "implied" Midcaps). Will make for a nice visualization tab in my ...

I really like the visualization and likely to adopt it for my Excell spreadsheet, as a separate tab showing cascade based on current AA caclculated by rebalancing engine. One thing I am not clear about though is why both US and International REITs are placed under corresponding Small Cap umbrella???...

Bob's not my name wrote:
serbeer wrote:My advice contribute at least the lowest amount you'd definitely use.
Again, the math shows that betting the minimum is a bad strategy. It's better to bet on your best estimate.

I agree. That's why I said "at least." Better than not using FSA at all, worse than using a good estimate.

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