Bogleheads.org

sorry I should of been more specific its a 501(c)7

I have a few questions regarding a 501(c)'s, more specifically, how to structure one and how to compensate for one. 3 friends and I want to start a non profit, so 4 people total. I can't seem to figure out how to split up Executive Director, board members, and FTE's. I was reading on 501c3.org's web...

+1 to Meg77

I Agree with every word of it.

89.5/10.5 would give you a perfectly fine ratio for this year, then next year you can move to 84/16 by simply adding another $5500 to the IRA account come Jan 1st.

Thanks guys I really do appreciate the help. That breakdown was exactly what I couldn't figure out.

Are there any HSA custodians that let you invest in Vanguard MF's? and what are some HSA custodians that you guys are using?

Sorry I suppose I should of listed that Premium frequency is monthly (btw, thank you guys for the quick responses) Actually going back and doing the calculations - annually, the standard is $611.52 more, and the Premium is $1,398.28 more than the HD/HSA. I'm still trying to get a hold of the HR pers...

Hey guys I need to resign up for benefits this year and my employer just started offering a HD/HSA and I want to know if in my situation it makes sense and if there is a deductible/Max that makes that HSA not worth it. Im been looking through all the board posts and it sounds like HSA's are highly f...

75/25 would definately be more appropriate for your age, in my opinion. Especially in today's low interest rate environment for bonds. You've got ~38 years to retirement, the market will go up and down, all the while you will keep contributing and are years away from making withdrawls. At what age ...

Sorry about the delayed response, labor day weekend. @ ljwobker No dice on the self directed plan and this company is probably too large to start switching things around. @ Duckie Alright, I will just go 70/30 in the 401k for now, and then when I hit these target numbers I will switch them over to t...

zmcpherson, given your 401k choices I would use: (SPIAX) Invesco S&P 500 Index Fund A Shares (0.61%) (FEPAX) Fidelity Advisor Total Bond Fund A Shares (0.84%) Nice, I was right for a change. Once your 401k gets around $15K I would swap the Vanguard 2025 Fund in your Roth IRA to the following: (...

haha sorry, I suppose I assumed that you all knew the ER's by heart : P Large Cap BLKRK BASIC VALUE A - .84 INVS S&P 500 INDEX A - .61 MFS MA INV GRTH R3 - .81 Mid-Cap NUVEEN MDCP INDEX A - .93 PRU/J MID CAP GR A - 1.09 VICTORY ESTB VALUE A - 1.08 Small Cap HEARTLAND VAL PLS IV - 1.16 JANUS TRIT...

Hello again! Everything with my IRA is going swimmingly, thank you guys again for your help in steering me in the right direction. My new question has to do with my 401k. The new company i started with is offering me a limited selection of mutual fund choices and my gut is to just follow my IRA sele...

lol sorry, I didnt mean to throw up another tricky question on an already seemingly solved thread, I just had the question in fresh in my mind. Completely ignore the question above and ill discuss taxable investments with my accountant a few years down the road when I get 20k into my IRA and build u...

I know you have to have 10k in each fund. My question was, whether it would be better to keep contributing to one of the long term retirement funds until I can afford to go straight to admiral shares in all the funds (or even just one of the funds) as the long term retirement funds have lower ER's t...

The admiral shares have low ER's... Wouldnt it make more sense just to keep investing everything into either VASGX, VTHRX, or VTTVX at an er of .18 until I hit 30k (as the asset distribution is roughly equal), and from there allocate 10k into total stock admiral, intentional stock admiral, and total...

Thanks for the explanations, that cleared up my question : )

Would anyone else recommend pingo's suggesting of 100% in Vanguard Target Retirement 2030 Fund (VTHRX) or Vanguard LifeStrategy Growth Fund (VASGX)?

lol I would love to recap my 4 day progression with you guys... day 1: 100% JGMIX or 50% JGMIX and 50% PJP day 2: 50% VTSMX 25% JGMIX and 25% RYVYX day 3: Plan 1 - 75-80% VISGX and 20-25% VBMFX Plan 2 - VTSMX %40, VBMFX 30%, and VISGX 30% and turn it into VTSMX %55, VBMFX 30%, VISGX 15% day 4: 70% V...

I see what you guys are saying about the names now, but to be honest, a few days ago the ticker abbreviations made more sense as I didnt know the terminology behind the abbreviations. Total stock market, small growth, small caps, international market, total bond market, etc. were all pretty lost on ...

haha I realize that I have a ways to go... I just appreciate the "we" attitude on this forum :wink: Alright... VBMFX, VTSMX, and VGISX are all 3k min to start, I currently have 10k into the account What if I did VTSMX %40, VBMFX 30%, and VGISX 30% to start out with, save up my emergency fu...

lol pingo you crack me up, I just read this

You're taking important steps, but we still have a ways to go.

: P

this forum is incredible, I took a half an hour to eat a sandwich and got 5-6 replies back : P The mutual fund RYVYX was primarily used for an example as something risky, I understand that many funds like this are pretty much considered betting, I was just curious if anyone else, like pingo, had a f...

Wow, thank you for pointing that out, its uncanny how similar they are. I swear I looked at that fund (I even made mention of it), for some reason I guess I just missed that. When you point that out it makes no sense to put anything into JGMIX. Wow, again. If no one minds me asking... What ratios in...

This could be fun. I'll play. 1. They are a 5 star morningstar company 2. Janus has a fairly low turnover at 42%. 3. They have a 1 star for risk and a 4-5 star on return depending on which site you consult. 4. They have 21% assets in the top 10 holdings 5. They are 95% stock in 86ish holdings which ...

$350 a week, im putting 21.5% a month into savings : P

Ill look into switching over to vangaurd tomorrow, the VGSTX looks interesting.

Does vanguard charge IRA fee's? .... such as opening an account, maintaining an account, depositing money, and buying mutual funds other then Vanguard's?

Wow, the response on this site is incredible. I had no idea this forum was so active. I do not currently have a savings emergency fund yet, I suppose I will put my extra cash towards that this year, great call. I took a look at VTSMX, VGTSX, and VBMFX and it looks like none of them come that close t...

Sorry I wanted to update this right after I posted, but i found out that it takes awhile for it to post : P I set up my account at Scottrade, I did a bunch of research and it seemed like they got the best reviews with their no fees IRA's, they seemed to be no.1 or no. 2 in every category. After read...

*edit (I told you guys I would get around to it) : ) Emergency funds = Working on it. I save $350 a week or roughly 21.5% of my income. Debt: No outstanding consumer debt and I pay off my credit cards every month Tax Filing Status: Single No Children Tax Rate: Do not have the paper work with me but ...