Bogleheads.org

I always bought cheap (<$20) sunglasses but splurged on a pair of Maui Jim's for $160 about 2 years ago. The difference in comfort is unbelievable! I got them at Sunglass Hut, and they included a replacement warranty for 50% cost. Lo and behold, six months later my dog chewed up my awesome MJ sungla...

It sounds like you mean "Investment Policy Statement". There are links to examples in the forum at the end of the wiki article.
http://www.bogleheads.org/wiki/Investment_Policy_Statement

4. I was reading online and came across an article on the benefits of a Roth versus a TIRA and saw a comment that concerned me a bit: “You have to be careful if you have other zero basis (pre-tax) trad IRAs because the IRS does not allow you to pick and choose which basis (or lot) you want to use f...

1. I'd like to simplify the portfolio as well as restructure the asset allocation to 85/15. The Vanguard Retirement Target 2035 seems to fit this criteria. Should the IRA, individual 401(k) and individual Roth 401(k) all be converted to Vanguard Retirement Target 2035 ? 2. I'm going to start invest...

One you have 10k you can switch to Vanguard admiral shares which I believe has an ER of .05% (VTSAX). The Vangaurd ETFs are super cheap too. My 401k is at Schwab, so I'm stuck there, but I have Vanguard ETFs in taxable and Roth accounts. The Schwab Total Stock Market fund is fine (I use it). It uses...

I put more into 400 than I would have because it shows that it has outperformed the 500 on these particular funds over the last 3 years. Am I wrong in investing based on that? Yes. Also, you should edit your original post using this format: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=62...

Hi, I would first up the emergency fund if it's only 2k, then pay off student loan #2 and #1 in that order as fast as possible, then tackle the car payment. In your retirement accounts I think you have a good situation close to the 3-fund portfolio (total bond fund, total stock fund, total internati...

I see nothing dangerous in your current portfolio that cries out for an immediate change, so I see nothing wrong in waiting while you learn more. Just don't get yourself caught up in "analysis paralysis" seaching for the perfect plan No paralysis anymore, I'm fully invested with good AA (...

I didn't mention it before but I would like to stay away from ETFs in the Schwab 401k (for now) if there are good mutual fund alternatives, and the Vanguard Total Intl mutual fund (VGTSX) seems pretty expensive at 0.22% (but it does have 6X the holdings of the Fidelity fund). I agree I would like to...

Thank you for the positive feedback on the allocation, very encouraging.
I've edited the original post to update my current allocation, and listed some investment offerings.

Ok I will use just the intermediate fund and combine it all, thanks John.
Mike

I'm confused, is the bottom what you are going to add using cash, because it adds up to 69%? Could you just give us what portfolio that you are going to implement? Yes, well it adds up to 77% which is the total cash position I have in all 3 accounts. Putting both halves together: Scottrade Taxable ...

(edited/updated again - thanks for all the advice so far) Hi all, first post here, love this community - thank you all very much. ---------- Emergency funds: 4 months of expenses Debt:, None, other than mortgage. Mortgage = Currently refinancing to 15 yr fixed @ ~3%. Equity = 24% of 220k value Tax ...