Bogleheads

This is for a single person:

Rent + Utilities + Cell phone + Internet = 800
Food & Stuff (Restaurants, Groceries, household items, toiletteries etc) = 600
Auto (gas + insurance) = 200
Incide ...

Hello everybody,

First of all thank you for the wonderful advice I have received here. I had earlier posted for help with 401k choices here http://www.bogleheads.org/forum/viewtopic.php?t=32847

...

It comes with a long list of caveats Sad

. Thankfully, I didn't have to modify my transaction behaviour:

Reward Rate Qualifications Each Cycle:

> 12 signature-based Check Card transactions
...

I am facing the same dilemma. I can't seem to define what an emergency really might be. And more so, if I will need cash for it or a credit card will do.

My 401k consist of a S&P Index fund a ...

Ricola, I am not taking on that lease. I mentioned it as an example of a good lease. And a different paradigm of car usage: as an operating expense vs an asset purchase.

Even then remember, I didn' ...

What do you guys think of something like the one below? Lease is a good deal when you can budget a car payment as an operating expense (rather than an asset expense) and enjoy a new car every three y ...

Here is one posted by jnojr in some other thread: http://www.retireearlyhomepage.com/software.html

I used the T-Rowe Price Portfolio X-ray and found the following:

S&P 500 Cyclical stocks 6.99%
Evergreen Equity Index fund that tracks S&P 500: Cyclical stocks 33.38%
Vanguard total stock ...

Maximizer, that is alarming. I would be wary to sign anything that I do not understand fully.

Personally, I had a bad experience with Orange Mortgage. Their lack of disclosure irked me (they did no ...

I recently upgraded from Vista Business to Windows 7 Professional. The process was smooth. I had to reinstall my Symantec antivirus because the version I had was not supported on the new OS. This was ...

Sorry to be such a stickler. But there is no "cost" associated with having a child. There are typical numbers for annual "spending" or "expenses" on raising a child. Cos ...

Thanks Taylor. I accepted the counter offer, signed the contract and locked the rate at 4.5% for 15 yrs with a 4.567% APR. Now onto inspections, appraisal etc.

Thanks for the concern, raddle. It was last replaced in 2004. There are provisions for replacements out of the reserve fund.

The rule of thumb for me is to base it as a %age of the annual spending and not on total earnings. As especially for a contractor earnings may fluctuate. This %age may vary depending upon lifestyle. A ...

Alto, I agree ING has been great for the past decade, I was using them for a number of years. They were innovative with their online products and hence very competitive with their rates. But now, I ha ...

I would strike off ING Direct. They are a great brand name but no longer deliver the goods. Their interest rates are on the lower end and their mortgage division especially horrible.

Hi renter,

Thanks for the advice. I already am living in the condo as renter so I am familiar with the issues. I have taken into account the possibility of special assessments. The complex has gone ...

Hi Op,

Thanks for the vote of confidence. $200 is just the mortgage. Taxes, insurance, condo fees, reserve fund for repairs are additional. Like I said it comes to $450 with a 30 yr note and about ...

Sorry to revive the old thread. I am finally buying the condo. I got price negotiated down but not a whole lot. Its has been very difficult to shop for a mortgage for a small amount, i.e., < $38,00 ...

Totally remove the immigration status talk. Its irrelevant here.

You may be nonresident for tax purposes for the first 5 yrs - again this is not automatic and depends on if you have visited the US ...

After getting tired of the dental insurance option given to us by our employer that we had to pay for in whole and did not provide anything worthwhile, I tried shopping around. After putting in the nu ...

Yes I am single and have no kids. Its for my parents. Should they outlive me, they should have some monetary support. They are dependent on me for major financial expenses. It was an understanding bet ...

Sorry for being so inept with the numbers.

Here is what I see:

rate of return on ROP policy is 6 % and as this tax free, the taxable rate equivalent is 8.9% @ 30% marginal tax rate (federal+stat ...

I forgort to mention but I am actually using the best quotes I got from term4sale.com for my calculation.

Thanks. The probability table was the key piece of info I needed.

The probability of death is low. hopefully Smile

The return of premiums is not taxable. I have maxed out 401k and Roth. So this is kind of shielding a small amount of money from taxes in the future. M ...

Hi,

I have received the following quotes for life insurance for about 10x my current income:

Policy $800,000, 30 yr:
level Term $641/yr
Return of Premium $1008/yr

I am a 28 yr old single ma ...

Sorry folks for reviving this old thread.

I finally mustered the courage to write to my 401k administrator about lousy 401k choices which got forwarded to the chair of 401k committee and got the f ...

I serial task. I fill up gaps in doing a chore or work at office with small things especially something like prep work for the next task. I get the benefit of single tasking and the a better value on ...

Shouldn't the cost of transaction to sell the ETF be factored in too?

Thank you all for sharing your thoughts. I especially like the thoughts shared about the first time experience. The place is in Tulsa, OK. The area is not posh or very family friendly - more professio ...

Sorry I did not mention, but the mortgage I took into consideration is 30 yr fixed. Considering I am not going to stay there for ever, I thought it would be better to go for 30 yr fixed. My credit uni ...

Hi,

I am 28 yr old, single professional currently renting a 2bed/2bath 1100 sq. ft condo for $650/month. The owner has given me the option to buy the condo for $49k which its fair market value. I a ...

I had a general idea of what I wanted (90/10 split of stocks/bonds) .. thats why I had preferred to go with the target date funds for Roth.
The 401k choices really threw me off balance. They are rea ...

Thanks retiredjg. I am almost done with the reorganization.
Changed my 401k to ESINX and FKUSX. Got the VGTSX in roth and changed future contributions to contribute to it.
I just need to change the ...

Thanks retiredjg for taking the time to point out my mistakes. I really appreciate it.

After a lot of soul searching and number crunching, I have figured that I cannot count the money that I had i ...

Clarifications in italics:

Thank you for your help. I really got a better understanding of how to build a desired portfolio.

1) I really liked both the options suggested for 401k.

(I mean opt ...

Thank you for your help. I really got a better understanding of how to build a desired portfolio.

I really liked both the options suggested for 401k. I am now debating which one to take up. Smile

I ...

Hi everybody,

I need help in choosing investments for my 401k plan given my other choices. If possible I would not want to have taxable investments in near future as my Roth and 401k contributions ...