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Five Scoop

I read that, but index funds would still be cheaper.

Five Scoop

It's interesting because by forcing the OP to buy mutual funds with loads, they are not acting as a fiduciary for their own employee.

Five Scoop

The distribution yield is 3.5% but the SEC yield is 2.6%.

So, if you are looking at what % interest to expect to expect going forward, it is the SEC yield of 2.6%.

Five Scoop

Have an Eero system with 3 access points. It's been great. Devices access whichever point has the best signal. One wifi network name and password.

Five Scoop

Random Walker wrote:http://www.etf.com/sections/index-investor-corner/swedroe-ageing-no-guarantee-financial-wisdom

Dave

OP, can you post a summary of the key points of the article. A blank link is not helpful in determining if I should spend time clicking on these (and other of Mr. Swedroe's) links.

Five Scoop

Have the Apple Watch series 2. I compared it to a chest heart rate monitor and got identical readings. There have been a few times where the watch might not get a reading for a minute or two, but that seems to be if the watch is a little loose. The vast majority of the time it has worked without any...

Five Scoop

Choices have consequences, and estranged or children who mistreat their parents should learn that. I have no issues with disinheriting a hostile or abusive or estranged child - especially if you have made multiple efforts to hold out olive branches and leave the door open. You are writing from the ...

Five Scoop

[Post removed -- admin LadyGeek] [Removed response --admin LadyGeek] To the OP - I agree with others above that you need to find a better way to assess your current savings and planned withdrawals to get a better idea about the ability of your savings to last. Try firecalc.com - you plug in your cu...

Five Scoop

OP, is the problem that Audi is not the one providing the warranty? My experience is that these warranties are offered by third parties. I have not had or heard of any trouble with extended warranties providing coverage.

Five Scoop

As an FYI:

The two books are:

“Rich as a King: How the Wisdom of Chess Can Make You a Grandmaster of Investing” by Goldstein and Polgar

and

“Finance for Normal People: How Investors and Markets Behave" by Statman

Five Scoop

Econberkeley wrote:our favorite set was from rooms to go for $700 with 6 chairs but it is too small for our house.

Do you have a link to the favorite set? It might help if we could see what style you might be interested in to give some better recommendations.

Five Scoop

I have an Apple Watch series 2 and compared it to a chest strap heart rate monitor. The heart rate measurements were exactly the same. So, I think the Apple Watch is accurate enough.

Five Scoop

The 240,000 loan at 6.5% is a killer. It's not worth investing any money with a loan this size and this rate still owed. You will never be able to guarantee a 6.5% return on your investments (which you would need just to break even). I wouldn't worry about investing anything until this loan is gone....

Five Scoop

There is the concept of the kitchen triangle, which has been mentioned above. You should make sure that you can reach the island easily from the kitchen sink, refrigerator, and stove. If you are washing fruits or vegetables, it is convenient to turn from the sink to the island so you can chop them. ...

Five Scoop

Amazon Basics rechargeable batteries don't leak between charges and work really well. I've been using them for years.

Five Scoop

Another recent thread lead me to purchase an Eeros system. It works really well and I would highly recommend it!

Five Scoop

Just want to thank the OP for starting this thread! I didn't know about mesh networks until now. Thanks to some other posters for mentioning the Eero. I just got a 3-pack and had them all up and running within 10 minutes. I have great wifi signal throughout the house now (basement, first, and 2nd fl...

Five Scoop

OP, you wrote in another thread re: Employee Fiduciary (EF) - "We almost went with EF but they don't have insurance (I forget the name of the insurance)." Was the insurance a Surety Bond? If so, they are dirt cheap and your company can purchase one for the plan assets.

Five Scoop

My favorite post has to be this one from JupiterJones in a thread about a girlfriend moving in with the OP. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=88063 Typically this would be a red flag for me except that she's very frugal, low maintenance, ... I have her reading up on investing ...

Five Scoop

You (the OP) should be able to set up a self-directed "non-prototype account" at Fidelity (Also called an FBO, or for-benefit-of account). Our 3rd party administrator allows that feature. I am able to invest in the Fidelity Index funds. There is a provision in the Plan Document that allows...

Five Scoop

The other thing the OP could do is let the husband keep his investments in a savings account and then the OP could increase her allocation to stocks. Overall, the family portfolio could maintain the same asset allocation, but the husband won't be putting his money at risk.

Five Scoop

OP - do you and your wife have jobs in NJ? I don't think it's that easy to get teaching positions. So, I would recommend researching available positions before giving up jobs that you and your wife already have.

Five Scoop

Larry, [OT comment removed by moderator prudent] I think the point Stlutz raised about expense ratios is a valid one...we are bogleheads after all! stlutz And as to your last statement, about speculative, don't you think that is an SEC requirement on any investment that isn't plain vanilla. This is ...

Five Scoop

I love Part"D", I pay $18.40 a month and get a tier 1 drug that I can buy at WalMart for $4, But mailorder is for free, and I should be happy because the rack price $50. You can say that you want that script filled at Wal Mart and tell them you want to pay cash and skip your prescription ...

Five Scoop

I love Part"D", I pay $18.40 a month and get a tier 1 drug that I can buy at WalMart for $4, But mailorder is for free, and I should be happy because the rack price $50. You can say that you want that script filled at Wal Mart and tell them you want to pay cash and skip your prescription ...

Five Scoop

The parents have car loans of $27,000 and $19,000 and people are up in arms about $52/month for an instrument!! Let the kid have the instrument!

Five Scoop

OP, are there other costs associated with the account?

Five Scoop

OP, why not change your HSA to a different vendor? You can take your HSA account anywhere.

Five Scoop

Livesoft has referenced this site before. They list their preference for funds from various asset classes. Some of their top small value choices are ETFs.

http://www.altruistfa.com/USsmallcapvaluefunds.htm

Five Scoop

imabeliever wrote:We can adjust investment at any time

You can only change investments twice per calendar year for existing investments...this is an IRS regulation. You can direct new investments made during the year to different investments as you wish.

Five Scoop

What is the name of the manufacturer and what is the model of your machine? (To the OP)

Five Scoop

I am of the opinion that trying to invest in these factors is not worth the time or effort. I am not Larry Swedroe, so obviously my opinion on this may not matter much. I think that these factors are interesting to write about and they are interesting to read about. When AQR writes a paper and peopl...

Five Scoop

I'd be careful about Employee Fiduciary or Betterment as well. A lot of places offer profit-sharing plans but use cookie cutter plan documents and are not able to take advantage of New Comparability testing. As such, employers end up paying a ton in profit-sharing contributions that could be avoided...

Five Scoop

Have a 65 inch Samsung 4K. The difference in picture quality compared to 1080p is noticeable and is amazing. It looks like you are looking at something outside your window. The issue of course is the limited amount of content in 4K. Netflix has a decent selection (Breaking Bad, Better Call Saul, Mar...

Five Scoop

TomCat96 wrote:Simple. All cash now has RFID tags in them. With a cheap scanner I can buy on ebay, not only will I find your cash, but the computer receiving the RFID tags can know exactly how much cash you have hidden. All I need to do is be within range of your cash.

This is absolutely false!

Five Scoop

You could do a solo 401k at Vanguard and use a target date fund or a life strategy fund. They would be auto rebalanced so you wouldn't have to worry about that.

Five Scoop

It has nothing to do with form. If people were lead to Portfolio Solutions from Bogleheads due the association with Rick Ferri and he is no longer associated with Portfolio Solutions that is relevant information. People get pretty defensive here, but if my money was with Portfolio Solutions and Rick...

Five Scoop

http://courts.mi.gov/opinions_orders/businesscourtssearch/BusinessCourtDocuments/C06-2014-138394-CK%20(May%201,%202014).pdf

The whole link needs to be included. Cut and paste in browser if needed. Looks like the other link didn't highlight the whole thing

Five Scoop

A prior thread had multiple posts removed and was locked for speculation. However, there appears to have been some legal issue between Ferri and Portfolio Solutions. This is not speculation...it is fact. As such, the moderators should not remove this post. I'm not saying that anything came of the su...

Five Scoop

"This investing club turned $3k to $500,000" is the title of the article. It mentions that a college investing club turned 3,000 into 500,000 since it started investing in 1946. http://money.cnn.com/2016/03/23/investing/investing-club-lafayette-college/index.html?iid=hp-stack-dom I emailed...

Five Scoop

Hi All, Last year I achieved a goal of paying off my home. This year I've been listening to podcast like Mad Fientist, Mr. Money Mustache. Next goal is I would really like to try to achieve financial independence. Seems many consider that when your net worth is 30 times your yearly spending right? ...

Five Scoop

Tell us about your "advisor". How much have you paid them over the years? It could be that you didn't do everything right if this advisor got a big piece of your pie. If that turns out to be the case, one of the things you can do is to stop feeding pie to your advisor. The OP already ment...

Five Scoop

For these kinds of questions, you really ought to have a professional come and look at your water softener. Our water softener was leaking recently and needed a new O-ring somewhere. Honestly, you can google and find many different reasons for things to leak, but you need someone to come out an insp...

Five Scoop

Do you have a picture you can upload? When were the floors last refinished? We had some hardwood issues, more related to a bad buff and coat with the polyurethane peeling, so first question is to make sure this is a mold issue versus some problem with the finish itself. Where in the Northeast do you...

Five Scoop

I'll echo the posters that love their Miele. Have a Miele Olympus and bought the Parquet Twister XL Smooth Floor Brush . The brush is really wide and shortens the time needed to vacuum the floors.

Five Scoop

livesoft wrote:
Five Scoop wrote:... he is financially irresponsible.

Well, at least we agree on that.

Thanks for taking my comments out of context!

Five Scoop

I mean, it's been 25 years and he's still practicing. That ought to tell you something. There are actually some doctors who love what they are doing and can't imagine a life without practicing medicine. It isn't everyone's goal to retire early. Your insinuation is that this physician is still pract...

Five Scoop

Fidelity has these types of accounts, as recommended by the previous poster. I have an FBO account with Fidelity with our 401k plan.

Five Scoop

I also have the Bose Quiet Comfort over ear headphones and they are great. They are comfortable and do a good job reducing noise.

Five Scoop

EmergDoc wrote:If you try to make a "compromise" portfolio you get the worst of all.

This statement intuitively does not make sense to me. You would get an average of the two portfolios. Could you elaborate on how averaging the two portfolios would be worst of all?

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