Bogleheads.org

Talk a friend who is a member into buying wine on your behalf. Otherwise, you can't even get in the warehouse. Try a one year membership - it really is not that expensive.

Just today we traded DW's 2005 Lexus ES330 with only 109k miles for a L-Certified 2014 ES300h with 33k miles. Twelve years and no problems whatsoever, but it was time for tires, alignment, front and rear brakes, new powering steering fluid, etc. , and a major 120k service in the next year or so. It ...

Our son is in medical school at a prestigious private institution after a full undergrad academic scholarship at an in-state public university. We didn't pay a dime for his undergrad. Our approach has been for him to apply for Perkins and institutional loans that don't start accruing interest and be...

On the way from 70/30 to 60/40 - currently at 65/35. 70/30 US/Intl for the Equity and Bond portion. Within the US Equity I use Vanguard Portfolio Watch/Stock Analysis as a guide for Large, Mid, and Small allocation. (Don't use Total Stock Market or Total International Stock Market because still have...

Our church uses ACS - http://www.acstechnologies.com/products/acs

Domestic bonds are 24% of our total invested portfolio, and international bonds are 10% of the total. A comparison of total return from Vanguard's website today is below. Neither are setting the world on fire. Total International Bond was created in May 2013 so there is no 5 year performance number ...

Majority of portfolio is in Vanguard index funds but we hold individual stocks for 2 reasons - 1. Stocks that have large capital gains and now pay large dividends relative to initial purchase 10-20 years ago (ORCL, RY, XOM, O); and 2. Micro-cap stocks utilizing AAII Shadow Stock strategies in a "pla...

Long time lurker, first time poster. We paid cash for our current house 16 years ago and never looked back. There is great comfort in knowing that the house is paid for. However, here is a twist for those that feel they are potentially losing market gains. Treat the amount that you pay down on a hou...

We became debt free in our early 40s (now 55). We never carried any credit card balance. Paying off the mortgage and auto loans saves money, provides peace of mind, reduces stress and pressure if there is a job loss, and provides monthly cash flow that can be used for investment or whatever. The amo...