Bogleheads.org

Place it in a trust - a legally binding document that can not be piereced Is there any benefit of placing it in a trust rather than taking ownership yourself? If anything, it shields your identity from the public... but more on this later... A trust needs to be managed albeit it's a nice problem to...

I notice that paying the monthly payment doesn't make that much of a dent in my student loans. To really chip away at it you have to make the monthly payment plus some principal. Then you'll really see some results.

FID FREEDOM K 2050 (FFKHX) is a gliding fund which takes care of rebalancing for you. Its current composition is domestic equities funds 63.42 international equities funds 22.61 bond funds 13.93 to me this adds a layer of complexity because you have to drill into what each individual fund is holding...

ssquared87 wrote:In the scheme of things, and given that I'm taking out at least $150k in loans for my MBA, does the $18k really make any material difference?

I much rather have that 18K parked in a broad index fund and not touch it for 50 years. You're future self will thank you.

I'm not a finance whiz but this is how I would go about with the calculations, assuming you spend 24K/year, at the age of 60 (in 20 years) you will have spent 480K (roughly half) in your after-tax account at 0% with no additional principal. I know you're suppose to factor in inflation, portfolio ebb...

I am surprised that you can keep your expenses to 16K. Taxes on the house are probably 4k. If you spend 200 bucks per week on food (modest), that's another 10.5k. Then gas at 12k miles per year, 20 mpg is 2.1k. Right there you are over 16k. No car repairs, cable, homeowner's insurance, telephone, e...

I’m a woman, and my future plan doesn’t involve accidentally making a kid :wink: I’ve set aside a ‘cushion’ for my parents, though they are currently living comfortably on half of their pension, and offered to take me in if I so wish... That is great. Can I ask what is your motivation to quit your ...

jingo wrote:I have a lazy portfolio + 5 years of living expenses in cash.

I think one major test is to see if your portfolio would hold up to a 2009 type crash where S&P drops 48% and slowly recovers.

Yes, my credit card was hacked (sigh...) but what do I do next? I did a search on Bogleheads.org and read through some threads dated 2012. It seems my story was a familiar theme. It was most likely an in-person transaction as I only used this card for groceries, gas and Redbox rentals. This card has...

I think there's only one way (that I know of) to offset capital gains tax and that is with capital loss. Do you have stocks you can tax loss harvest?

As I gotten older, I didn't enjoy traveling as much. I guess that's why people tell you to travel when you're young.

In my opinion, you have to find the source of the junk mail, as each is different and then contact them to take you off the mailing list. Probably easier said than done. Some have your name, then you would have to trace where they received your name from. Others just send to the resident at your add...

i-bonds need to sit for five years otherwise you lose the 3 months interest.

There was a heart surgeon (is that the same as a cardiologist?) driving a maserati on NY Med. The car was a metaphor for the way he operates - fast and good (those were his words). That's the reality series on ABC. No one mentioned buying a house but I think it might be a wise investment. There was ...

tell me who you hang out with and I'll tell you who you are. this is probably better asked among your friends and family than this forum.

Not trying to be overtly pessimistic, but just diligent in playing out all the scenarios and identifying resulting action items. Having a few flowcharts/timelines might be worthwhile so I don't blow it. If I have already made a half dozen or so contributions to my 401k for 2013, does that eliminate...

My new years resolution is to watch less tv.
I now get Over the Air HD, internet + OOMA and cellular ~ $100 monthly.
Got rid of cable as of new year. Redbox-it when I need it.
More running and biking.

Maybe you should try this:
Viva Young - 2013 Taco Bell Game Day Commercial

if you play golf, you can say you're a golfer.
-or domestic engineer.
but at the end of the day, it's really about how you spend your time
rather than what people think.

Does anyone know what dentists are like in the UK since they have such a bad wrap with bad teeth?

I was lucky to find my former dentist early in my life (25 years ago) that I never had to look any where else. When my dentist retired, I had to find another dentist and had been through what others here have posted. I also utilize preventative maintenance like flossing, brushing 2X, and fluoride ri...

I may be wrong but I have noticed when a new young dentist takes over a practice, I think they push treatment on you that is unnecessary. Probably because they are in debt with with loans and start up costs. I dropped two dentists that took over from my old dentists because of this. -Had this happe...

vectorizer wrote:Vanguard gives it to me for free.

Vanguard offers it for free if you're Flagship, otherwise they charge $49.99 (w. state).

I first used Turbo Tax and I just stayed with it. I plan to stick with them as long as I'm filing. My question is why would anyone not use Turbotax?

Also assuming this is in your taxable account? Allocation may or may not be risky, depending on your age and risk tolerance. I would go all in on International so you can tax-loss harvest.

Just saw a clip on Fox Business with the S&P 500 at a five year high.

If you want to put $10k in your taxable account, I would go with the Total Stock Market Index Admiral ($10K minimum), or follow an asset allocation (stock/bonds) and go with a tax-exempt bond fund, or i-bonds/cds.

I think it's a medium that one has to find, as with anything in life, there should be a balance. I play golf, in moderation, it keeps me healthy and I have fun doing it.

[del.]

The obvious question: why are you still living with your parents at 29 with 200k in the bank?! The obvious answer: why should not she? Living at home allowed me to build up a nest egg that I otherwise would not have or taken a lot of time to do, but if you are not disciplined, like me, it can also ...

I have my allocation at age-10% in bonds and I've seen other posting in this forum use that as well but it all comes down to what level of risk you are comfortable with. 70%/30% is very conservative for your age. Agree with other posters with going with broad market index funds.

bogleblitz wrote:Newbie question. What does DCA mean?
I tried google.com

try googling 'DCA bogleheads' and you will find your answer.

If you're making your 2013 contribution, you have Jan 2013 to April 2014 to DCA. I would spread $5500 over 15 months @366.66/month, on the same day of each month. such that you are certain to capture the market highs and lows. I am for DCA but in your case, I wouldn't worry about it. There's ongoing...

You can list it on ebay and have the buyer go through ebay. you would have to go through the trouble of listing it, they have the option to buy it now rather than auctioning and they can pay through paypal.
you will have to pay ebay and paypal fees but worth the middle man in my opinion.

Identify your asset allocation and allocate to a portfolio (taxable and tax advantaged accounts).

So unless the place charges you at the pump you won't get the 5 percent rebate with the PCR card? There are plenty of gas stations that take my card and swipe it in their little booth The only way to tell is to call up PenFed and see if they are giving you 5% back on your purchase. Visa Rewards is ...

I've been using my PenFed Visa Platinum Cash Rewards 5% Cashback on gas (as directed on the card) but to my dismay I was told the gas purchase was not under the proper code so it will only be 1% cashback as oppose to 5%. I live in NJ (there's no self-service) and I'm loyal to this one gas station be...

halpain17 , TIPS (if you insist on having them) really need to be in tax-sheltered. However, there are taxable alternatives to Total Bond Market. ⋅ ( VWIUX ) Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (0.12%). ⋅ 
 I Savings Bonds through Treasury Direct . As for s...

any feeling about REITs. if no tax advantaged space, consider eliminating? Reits are very tax inefficient and are best held in tax deferred accounts. Real Estate Investment Trust Wiki Also a bond fund that's mentioned in this forum a few times is the Vanguard Intermediate Term Tax Exempt Bond Fund.

Have you done this often? It would seem to be a very tedious and unproductive action. There will be another deadline in a few months, what will you do then? It isn't those threats that are waved at us that represent the most danger. The real danger is in those threats which come unannounced, and yo...

are you going to do it again in a couple of months when they decide what to do about the debt ceiling?

Top 100 Credit Unions #1 is Navy Federal. Source: http://www.creditunionsonline.com/top100creditunions.html I would say the top credit unions I've seen mentioned on the Bogleheads forum are Navy Federal, PenFed and Alliant. Navy Federal is #1 in SIZE, not necessarily in any other category. Normally...

Top 100 Credit Unions
#1 is Navy Federal.
Source:
http://www.creditunionsonline.com/top100creditunions.html

I would say the top credit unions I've seen mentioned on the Bogleheads forum are Navy Federal, PenFed and Alliant.

I have win 7, also doing lite stuff on it. happy with it so no plans to go to win 8.
I really like what apple is doing with macbooks. (if they put an a-chip and make it in the US, i'll seriously consider it as an upgrade path).

[del.]

It's controversial because John C. Bogle himself believes international investing is not necessary, and says if you want to do it anyway, OK, but don't go over 20% of your stock allocation. this is probably one of the well articulated, well thought out replies I have read on this forum. I'm also on...

the wall street cats will hold onto the stock or they have the opportunity to buy it after hours. once JC mentions it on his show, the main street cats will buy it the next day causing the stock price to go up. as soon as the price goes up, the wall street cats sell for a profit causing the stock pr...

I like Mark Cuban's approach on Shark Tank. If he sees an opportunity he'll tell the person "I'll give you a number and you say yes or no." and that's it, no going back and fourth.

she has enough emergency cash and projected income to pay the whole thing off. no need to drag it out and pay interest.

not offering advice but where can I learn how to make a spreadsheet like yours? It's not that hard. Just mock up whatever you want in Excel, then copy all of the cells and paste into either MS Paint or Photoshop. Save as a JPG picture file. The harder part is that you then need an Internet website/...