Bogleheads.org

mikep wrote:Why not the 50 cent/month + 4 cent/minute verizon plan on PagePlus. take a look at http://www.kittywireless.com
I've spent about $50 total in a year and a half. Works great.

+1 on PagePlus. Works great, but you can't have the fancy phones.

100%

Wasn't sure about the muni bonds and selling short.

Folks; The additional expenses for the external manager is less than $1575 total fees for 5 years (0.07% x $450K x 5). There is no way I'd try to bulldoze my mother in law's opinions about the best place to put money for this little bit. And I'm 60 and have 30 years of investment experience. Again,...

My only comment is that since you anticipate retiring early, then I wouldn't do Roth 401(k) contributions today. After early retirement, your income will go down and you'll be able to convert some of your Traditional balances each year into Roth at a low or even zero percent tax rate. Are you talki...

I think you are double counting the fees. For the HSA bank account (not the TDA investment account) you have a monthly fee of $2.50 for balances below $3000. (= $30/yr) If you have a separate investment account with either TDA or Devenir mutual funds you have an additional $3/mo investment fee if y...

I would use all of my taxable savings, excluding my emergency fund, if I could buy a house for cash. But I wouldn't use anything from any IRAs or other retirement accounts. +1 I am young and am aggressively paying off my mortgage as quickly as possible. I am going to max out my 457B and HSA next ye...

I installed my antenna on my roof last week. I am about 30 miles from the stations. I put the antenna in the attic and the reception was great sometimes and I couldn't get anything at other times so I decided to put it on the roof. I bought this antenna http://www.amazon.com/gp/product/B00741AMEC/re...

larryswedroe wrote:Lazy is good as long as it's not too lazy so you don't rebalance and tax manage
Larry

That's why I feel lucky to be able to fit everything in tax advantaged accounts and have the same Vanguard Target Retirement fund throughout all accounts.

.19% I have everything in a target retirement fund and will probably do that for most of my life.

If she has no other income other than sharecropping and SS, she will not be able to put the money into a Roth IRA. My mother also owns some land so I have been looking into this lately. Earnings from share cropping is not considered "earned income". The upside is it's only $10, 000 so she ...

Slow n Steady always enjoyed reading his posts as well. Slow n Steady had to click on a thread when he was the OP. Penny Stocks, coke cans from the vending machine, and large jugs of bleach. Those are the things that stick out when Slow n Steady thinks about the Munchkin Man. Ohh, and driving slowly...

I was wondering if the shirts were going to be coming off the printing press anytime soon?

I would understand if it's on hold with the annual meeting coming up, or will they start selling at the meeting?

Buy the Total Money Makeover by Dave Ramsey. Your parents sound like perfect candidates. If you don't think they will read it, you could ask them if they would attend Finacial Peace University.

In one instance, I looked up what an Olympus OM-2N would sell for on E-bay: about $8. I think It'sDeductible has $100 or more for this old camera. I do realize that it's Open Hunting Season when it comes to clothing and such, so where does one draw the line on Fair Game? So you're telling my a grea...

I don't have an answer to your question. However, you do know that with a solo 401k you can contribute both the employee's max ($17k in 2012 if you don't qualify for the senior catch up) and the employer's portion (up to a total combined of about $50k). However the employers match is limited to a p...

15 year loans have lower interest rates!!

The real "bad people" are few and far between, but that wouldn't console me if I happened to run into one and one of my family members got hurt.

And I could have stopped it.


http://www.mwkworks.com/onsheepwolvesandsheepdogs.html

I would see if you have a government or non government 457b. Look at the wiki http://www.bogleheads.org/wiki/457-b If you have a government plan, I would slowly transfer your taxable saving into your 457. I it's a non governmental plan, I would just leave it in a taxable account in total stock marke...

How about the logo on the case of the iphone? J/K My wife is looking for a case for her iphone so it got me thinking, I'm way to cheap to pay for a data plan on my phone

Anyways, I would definitely buy a couple of t-shirts.

I've played a ton on both. I would personally go with the PS3 so I didn't have to pay the $50 every year or xbox LIVE

I'm 23 but I'm only putting in the 3% to get the match, another 7% is going towards a pension. I recently bought a house and struggled with the pay off the house/invest debate. I finally decided to put all extra income towards paying off the house instead of investing. I should have the house paid o...

Facebook can be deleted to where you can't access it. Just Google "how to delete my facebook account" . I did it when I was a sophomore in college and it won't allow access to my Facebook anymore.

I don't really believe that all my information is deleted.

101... You should look at all accounts as one portfolio. When you do that you will realize it's perfectly fine to hold the same TR fund in all accounts. My comment on your choice is-- I would consider an 88/12 portfolio extremely aggressive. Paul If we want to retire at 60 then, according to Vangua...

I will retire on May 26th,











2042. The golden chain. I doubt I'll be done working at that point, but I'll only do things that I want to. I will be 54.

I think it's a good time to buy a house.

My DW and I close on our first home in a couple hours.

We plan to live there at least 30 years.

AnimalCrackers wrote:PS3.

Call of Duty Black Ops.

+1

pursuitofless wrote:I am fairly conservative and only take calculated risks (analytical "A-Type" personality)

Go for the 20% down. No PMI and lower monthly expenses.

At least thats what I'm doing.

Glock 19 w/night sights

I keep an extra magazine in my dresser and in my car.

Thanks letsgobobby and g-money, I didn't know that more would go to the principal out of each payment. I'll check with my mortgage holder to be sure. This makes it a lot simpler.

I've decided I want to pay off my mortgage as soon as possible. I don't have the necessary funds to pay off the entire note. Question: If it is going to take me 5 years to pay off my mortgage, wouldn't it be better to put "extra" money in CD's or a savings account and pay off the mortgage ...

Sure I would use one, as long as the savings were passed onto me.

INTP

I recently talked to my wife's broker telling him that we were transferring her beneficiary IRA to Vanguard. He had us invested in Fidelity funds with about 2% ERs and he was charging .5% on top of that. He asked why and I told him I believed in investing in funds with lower ER's. He told my Vanguar...

I really like the fact that it will last the extra 5 years, but I know I could always get a short term policy close to retirement. The point is, you actually don't know that this is true! You might become uninsurable (or insurable only at great expense) before then. Or before your first 20-year pol...

Your plan to get more insurance in 15 years has a significant element of risk. I would think the relatively small difference in annual cost for 20 years vs 30 is worth it. I originally thought about getting a 15 year term followed by another 15 year term, but rejected that as being very risky. I be...

My DW and I are 23 and searching around for term life insurance. I have been using term4sale.com and playing with the different amounts and term lengths. I have decided that .5M policies are right for us now, but I have been struggling with the lengths. The "plan" is to retire in our early...

Other. I don't tilt. I honestly haven't researched it enough to "believe" that it is better, but a lot of smart people say it is better. Let's say I tilt and 10 years from now, my portfolio does 2% better. I am happy. Let's say I tilt and 10 years from now, my portfolio does .5% worse. I a...

Um saving 12,000 a year starting at age 23 seems impossible except for the wall st finance types that make big salaries. 8% interest also seems way too generous. I'm 23 and will be saving about 12,000 this year. Most of it has to do with living in a very small apartment and having the same car for ...

It'd get real easy to look at that $1500 and think of it as $500 as inflation eats away at it. He has a chance to contribute it to a roth, and have it do at least a little for him, why waste the chance? Hey, as long as he has the earned income, I'll agree with you. I probably would've said the same...

I would just put it in my checking or savings account and treat it like it's not there. Look at your account of $1500 and say "I have $500 in my account." As long as you don't spend it, it really doesn't matter where you put it right now. I graduated a year ago and I have about $5000 inves...

PS: You just joined this forum only a month ago and you have been making accusations in the form of questions before you know who all these posters are. I respectfully suggest that you stand back, and be a better observor and listener for a while, then make comments in a respectful and civil fashio...

chaz wrote:Thanks for the link. I'm sending it to my children.

Just before they retire???

Congrats on being strong enough to stop chewing. I've been free from it for over 2 1/2 years now and I was at a can a day.

I only get the cravings once in a while

rushnp774 wrote:I know the last post here was over two years ago, but I'm definitely interested in the KC Bogleheads group. Anyone know if anything has happened with the group lately?

I emailed the coordinator once but didn't get a response. I would be interested if it got started up.

80% of final pay if I work 32 years, so that will put me at age 54. I put in 7% of my check and the pension is solvent. The biggest disadvantage is no COLA. Also have a 457 that fully mactches first 3%. I will be able to save quite a bit more that just my pension, but it will be a nice base pay ever...

The Munchkin Man buys the Northern brand Quilted Triple Ply Ultra Plush toilet paper. My fiance has already told me that this is one area that she won't be cheap (frugal, I correct her). I told her that's fine, but I have to compensate by using using two sheets for every swipe instead of three.

Rubik's Cubing
Yes I cheated and learned how to do it on Youtube.

But it's fun to see how fast you can get.

And then I bought the 2x2, 4x4, 5x5, 6x6, and 7x7.

It really isn't that social, and it doesn't achieve a whole lot, but I enjoy it.

DSchrute wrote:Police officer, so I picked government.

Deputy, I also picked government.

Don't use the VG Target Retirement 2050 just because that is when your son will likely retire. I am the same age as him and use the 2030 Target. It fits my desired amount of bonds better. 2050 is over 90% stocks.