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Re: When do your account returns dwarf your contributions?

It is an awesome prospect to have substantial unearned income. Sometimes the 'change in value' dwarfs my contributions now after 18 years. The temptation to just let the account work from now on is there but one of the benefits of keeping savings set to max is the money cant be spent. If the money c...
by stonerolled
Tue Nov 18, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5770

Re: Your car(s) are equal to how many months income

just the car, one month, add motorcycle and scooter, 3 months,
disregard gross income, pure take home after saving, 7 months.
by stonerolled
Fri Nov 14, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6055

Re: Do you regret buying your home?

No. no regrets. It has been a learning experience for sure. The neighborhood is hanging in there probably due to location. My immediate neighbors are a blessing. The property drains well which I didnt consider at purchase. My projects have been fencing, security upgrades, and insulation and sealing....
by stonerolled
Fri Oct 24, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6974

Re: To be truly rich, take stock of your life before investi

I am very grateful for boglehead concepts such as LBYM and replace expenses not income one day. The idea of financial independence and freedom is important to me. When and if this is achieved, a test of character will take place. Riches and achievements are giving way to comfort and opportunities as...
by stonerolled
Sat Aug 23, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4671

Re: how often do you look at your account

minimum of 2 weeks because that is when I make roth contributions.
by stonerolled
Sun Jul 20, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3791

Re: "Being Done" Saving: White Coat Investor blog post

Sometimes I think that the best part about saving isnt about the money saved but the living within and below your means. Whether the money grows to 10 million or ends up being just enough, there was some cushion built in. Its like having insurance or an emergency fund on a lifelong scale. This benef...
by stonerolled
Sat Jun 28, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 8035

Re: Late starters: what age did you start investing?

I began deferring income to investments at age 33.
Had a modest inheritance in high cost, front load ML and EJ funds since 22. A non-boglehead parent chose those.
Been passive investor since age 44.
by stonerolled
Tue Jun 24, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5886

Re: Worst "Large purchase" ever?

RV van. Bought it used for $19K, and thought it was a deal! It cost $50k new! And then I put in $5k bringing it up to modern specs. And $400 in insurance every year. And an $80 inspection and $70 registration each year. We used it 3 times. Now I'm looking for charities who will take it away, and ha...
by stonerolled
Sun May 25, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 12232

Re: Why are you trying to save so much money?

I have been somewhat sick of saving lately. I really want a weekend escape but when I think long enough, I realize that my primary residence takes up enough time where I would not enjoy a full time getaway. Unused or underused things drive me crazy. Saving is somewhat addictive, you begin with a bas...
by stonerolled
Sun Aug 18, 2013 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23564

Re: Your Home is Not a Good Investment

Its hard to put a price on the responsibility that home ownership teaches. If the maintenance involved is done by the owner, and he gets better at it as time goes on, that adds value. Some owners are now applying technology to save energy costs as a hobby. Some owners grow vegetables which reduces t...
by stonerolled
Thu Aug 08, 2013 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Home is Not a Good Investment
Replies: 145
Views: 12685

Re: can i buy my sportscar?

its not the money, its the time, do you have the time to enjoy it? Or is this the fourth toy in line collecting dust in the garage?
by stonerolled
Tue May 21, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: can i buy my sportscar?
Replies: 129
Views: 8882

Re: Can a Frugal Boglehead date and marry a non Boglehead?

Investment return = P*(1+r)^N/2^D where P is the amount invested, r is the rate of return, N is the number of years, and D is the number of divorces. :sharebeer I think you need extra parenthesis (P*(1+r)^N)/(2^D) not sure about order of operations but putting the exponential divorce factor in the ...
by stonerolled
Fri Mar 15, 2013 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Can a Frugal Boglehead date and marry a non Boglehead?
Replies: 34
Views: 4310

Re: 457(b) Dividends Reflected in Share Price of Funds?

I think I had the same question a while back

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=107227

our expense ratio is .03%. I still dont really understand the investment trust thing.
by stonerolled
Sat Jan 26, 2013 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457(b) Dividends Reflected in Share Price of Funds?
Replies: 7
Views: 844

Re: 457 plan Blackrock funds, what does Coll F mean?

Thanks for the reference. It describes the situation pretty well.
The article did not seem to have a negative tone on the subject.
by stonerolled
Tue Dec 18, 2012 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 plan Blackrock funds, what does Coll F mean?
Replies: 3
Views: 339

457 plan Blackrock funds, what does Coll F mean?

I tried to find the dividends on my Blackrock Russell 1000 index Coll F and could not find it reported. My vanguard large cap index funds show the dividend transactions quarterly. I phoned Great West and they said that it really wasnt the fund but a collection of funds so the dividends are N/A. The ...
by stonerolled
Tue Dec 18, 2012 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 plan Blackrock funds, what does Coll F mean?
Replies: 3
Views: 339

Re: Poll: How did Bogle's philosophy affect your investing?

Everything... The last 5 choices applied to me totally. +1 I really didn't understand investing or have a rational strategy until finding this site. I had been investing for 20+ years without a clue. :oops: +1 I read 'common sense on mutual funds' and after 23 years of ML and EJ, it all clicked and...
by stonerolled
Tue Dec 11, 2012 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How did Bogle's philosophy affect your investing?
Replies: 16
Views: 1014

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to ge...
by stonerolled
Sat Dec 01, 2012 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2028

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to ge...
by stonerolled
Fri Nov 30, 2012 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2028

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to get...
by stonerolled
Fri Nov 30, 2012 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2028

Re: Getting married - what do I do for retirement?

How does one put 40k a year in a 401k? It seems the maximum for those 50+ is only $22,500. Welcome! The OP is discussing a Solo 401(k) : Solo 401k plan (Different than an employer's 401(k) plan) The limit is a combination of the employee salary deferral and employer profit sharing contributions. In...
by stonerolled
Sun Sep 30, 2012 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Getting married - what do I do for retirement?
Replies: 20
Views: 1617

Re: Getting married - what do I do for retirement?

How does one put 40k a year in a 401k?
It seems the maximum for those 50+ is only $22,500.
by stonerolled
Sun Sep 30, 2012 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Getting married - what do I do for retirement?
Replies: 20
Views: 1617

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